Every bank does this differently, and some won't do joint at all. Discover told me that they would not pull a hard on me, but others were told differently. You can try clicking on the FICO 08 link in my siggy, although it gets updated by fits and starts. 
By the way, if you do call and find out how Orchard handles this, please do add your info to the thread! As these forums have exploded over the past six months especially, it can get really hard to collate information into one location.
By the way, if you do call and find out how Orchard handles this, please do add your info to the thread! As these forums have exploded over the past six months especially, it can get really hard to collate information into one location.